You also have to factor in mortgage insurance, taxes, and flood insurance if applicable. In order to do a proper approval, I would need to pull your credit and look at the last 2 years tax returns and W2's. I would be more than happy to work with you and give you an approved loan amount if you are interested and would like to start looking at properties. Without doing the proper approval first, it is like a shot in the dark for a Realtor to help you find the right property. Feel free to contact me at 727-410-9663 or visit my website www.titanhl.com for more information.
Thank you and best of luck to you!